Greetings, @bkreative. 

Welcome to the Community! I can provide you with some insight into letting your customer enter their ACH information on the first invoice. 

This would be beneficial to you and other users of QuickBooks. However, the person using the QBO account would need to type in the details for the customer. 

Our Product Developers are considering improvements to the system. I recommend submitting feedback so they can review your request. 

Look over our Blog site to see what's new in the product and the new updates. 

Come back if you have any other questions or concerns. Wishing you and your business continued success!